Helsana or Sanitas in Region 1 of canton Fribourg?
In Region 1, Helsana is CHF 22.20 a year cheaper than Sanitas for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Helsana comes down to CHF 501.90 a month, Sanitas to CHF 503.75. The gap is CHF 22.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Vivao Sympany, at CHF 501.10 a month. Moving there rather than to Helsana is worth CHF 9.60 more a year. Vivao Sympany
Where they stand in the region
Helsana ranks 2 and Sanitas ranks 3, out of 23 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Helsana | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 577.00 | CHF 579.00 | − 2.00 |
| 500 | CHF 565.40 | CHF 567.40 | − 2.00 |
| 1'000 | CHF 536.20 | CHF 538.20 | − 2.00 |
| 1'500 | CHF 507.00 | CHF 509.00 | − 2.00 |
| 2'000 | CHF 477.90 | CHF 479.90 | − 2.00 |
| 2'500 | CHF 448.70 | CHF 450.70 | − 2.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Other model | CHF 501.90 | CHF 521.10 |
| Family doctor | CHF 501.90 | CHF 503.75 |
| Free choice of doctor | CHF 577.00 | CHF 579.00 |
| HMO practice | — | CHF 526.90 |
How they moved in this region
Against 2025, Helsana moves by + 1.5 % and Sanitas by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.